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Nancy Trejos was supposed to be an expert on handling her money - after all, she was a personal finance columnist for one of the nation's leading newspapers, The Washington Post. But at age 31, she found herself in her own dire financial straits. Faced with a mountain of bills, debt, and no way to pay her rent, she was forced to call her parents to ask them for a loan. That night was a wake-up call -- she vowed to get herself out of debt and into financial solvency.